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Fix & Flip · Arizona

Fix & flip loans in Arizona — fund the deal, keep your cash.

Mortava fix & flip loans in Arizona: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Arizona is a top Sun Belt growth market where Phoenix population gains keep both rents and flip demand high. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Phoenix, Tucson, Mesa and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Arizona project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Arizona projects with Mortava

In a market like Arizona, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Phoenix, Tucson, Mesa, Scottsdale deals and recycle capital into the next project faster.

Phoenix keeps adding residents faster than housing, and Scottsdale supports established short-term-rental demand. That combination lets Arizona investors choose between long-term holds and STR plays inside the same portfolio.

Top metros we fund
Phoenix, Tucson, Mesa, Scottsdale
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

Flip-to-STR in Arizona

Not every Arizona flip has to sell. In short-term-rental markets like Phoenix, some investors renovate and then refinance into an STR / Airbnb DSCR loan on projected rental income — keeping the asset instead of paying to exit.

Guidelines reviewed July 2026 by the Mortava lending team.

Arizona fix & flip loan FAQ

Can I get a fix and flip loan in Arizona?
Yes. Mortava funds fix & flip projects across Arizona, including Phoenix, Tucson, Mesa, Scottsdale. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Arizona flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Arizona.
Do you fund first-time flippers in Arizona?
Yes — first-time flippers are welcome in Arizona with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Can I flip into a short-term rental in Arizona?
Yes — a common Arizona exit is to renovate, then refinance into an STR DSCR loan on projected rental income instead of selling. Mortava finances both legs, which matters in short-term-rental markets like Phoenix.
Do you fund flips in Phoenix and Tucson?
Yes — Phoenix, Tucson, Mesa, Scottsdale and every other Arizona market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Fix & flip loans by state
Flip in WashingtonFlip in West VirginiaFlip in WisconsinFlip in WyomingFlip in AlabamaFlip in AlaskaFlip in ArkansasFlip in CaliforniaFlip in ColoradoFlip in ConnecticutFlip in DelawareFlip in Florida
All Fix & Flip programs → DSCR loans in Arizona → Instant quote & pre-qualify →
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